Yintoni Eyona Ngxowa-mali YesiXeko esiSiseko?
Ingxowa ye-equity yintlobo yeengxowa-mali eziphathekayo ezinegunya elifuna umphathi wepotfolio ukuba atyale imali yabanini-zimali kubunini bamashishini, okubizwa ngokuba ngama-equities, afana nezitokhwe eziqhelekileyo zenkampani ezithengiswa esidlangalaleni.
Imali ye-Equity ingena kwiintlobo zeentlobo zeengxowa-mali zendabuko okanye njenge-ETF ezibizwa ngokuba zifutshane kwi-Exchange Traded Funds. Urhwebo lokugqibela malunga nokuthengiswa kwempahla emini yonke imihla, njengemali eyimpahla yesitokethi, kanti i-fund ye-joint fund ihlala ngokukhawuleza ngemini, ngokuthenga nokuthengisa ii-oda ezinqunywe emva kweeyure ukubala Ixabiso le-Asset Net, okanye i-NAV .
Ngaba kukho iintlobo ezahlukeneyo zeeNgxowa-mali?
Kukho iintlobo ezininzi zeemali zokulingana, kubandakanywa iimali zokulingana kwamanye amazwe, otyalo-mali kwii-stocks ngaphandle kwelizwe lakho, ii-equity funds, ezityalisa lonke ihlabathi kuquka nelizwe lakho, i-equity funds, ebeka imali kwimimandla nganye uqoqosho olufana neefowuni zokunxibelelanisa okanye iibhanki, kunye neengxowa- mali zemali zengqesho, ezithintela utyalo-mali kwi-cap micro, i-cap encinane, i-cap medium, i-cap enkulu okanye iinkampani ze-mega-cap. Enye yeentlobo ezidumileyo zeengxowa-mali i-index index, eyenza "njengemali engasisigxina", ukutshala imali kwiisitokisi ezibonisa isibonakalo esifana ne- Dow Jones Industrial Average .
Ngaba kufuneka ndiTyala kwiiNgxowa-mali ze-Equity okanye kwi-Stocks?
Isigqibo esisisigqibo sokuba umtyalomali ngamnye kufuneka ajongane nokuba ngaba bafuna ukutshala imali kwiimali-mali okanye ukutyalomali ngqo kwiisitokisi. Ukukunceda ukwazi ukuba yintoni efanelekileyo ngakumbi kwipotfoliyo yentsapho yakho, sifunde Ngaba Ndimele NdiyiThengise Amasheya Akhethiweyo okanye Iimali ze-Index? .
Ngokubanzi, uninzi lwabantu luya kuba nemiphumo engcono kwi- dollar yeendleko zokulinganisela kwisibonelelo sexabiso eliphantsi kweendleko kwixesha elide, ukuhlaziya izahlulo zabo, nokukhwela i-ascs and downs emakethe yemasheya ade bafike umhlalaphantsi. Oku kusekelwa izifundo ezininzi, kubandakanywa enye eyenziwe yi-Morningstar eyayibonisa ukuba umtyalo-mali oyimilinganiselo ufumana i-2% kuphela kwi-3% ngemali yabo, ngelixa ngexesha elifanayo, i-stocks yabo ekhulayo ikhule ngo-9% ukuya kwi-10%. I-Scared kunye ne-over-active, abangenamava abazongena ngaphakathi nangaphandle kweenkampani, balahlekelwa yimpumelelo evela ekubeni ngumnikazi wexesha elide loshishino olufanelekileyo.
Ziziphi ezinye zeeNgxowa-mali zeMali eziPhambili kunazo zonke kwiLizwe?
Iinkampani ezibini zezona nkampani ezinkulu zengxowa-mali kwi-planethi ziyi-Fidelity kunye neVanguard, zombini zinikeza umxube weengxowa-mali ezilawulwayo, iingxowa-mali zecandelo, iimali zebhanki, iimali zezindlu, kunye nantoni na into onokuyicinga.
Yintoni ekufuneka i-Investment ifune kwi-Equity Fund?
Ngokuqhelekileyo, ufuna i-fund equity fund:
- Iindleko eziphantsi, njengoko zilinganiswe ngengozi yeendleko kunye nokungabi naso kwemithwalo yokuthengisa
- Ingenayo into engekho kwi-portfolio
- Ukudibanisa kunye neqhinga lakho lotyalo-mali okanye ifilosofi
- Ubanzi ngokubanzi
- Ngaba ngabaphathi beepotfoliyo abatyale ininzi yentlawulo yabo kwiimpahla ezifanayo kunye nawe, bebeka imali yabo emlonyeni wabo
- Unomsebenzi ochazwe ngokucacileyo ukuze uqonde iintlobo zeempahla ezifumanekayo, isizathu sokuba zifumane, kwaye isizathu sokuba uthengise
- Unembali yokulawulwa kwepottoliyo . Awufuni ukutyalwa imali kwingxowa-mali apho umsebenzi ophezulu wokugqiba ukuba imali yakho ifakwe ukusebenza ngayo inikwe abantu abahlukeneyo kwiminyaka embalwa. Eminye yemali efanelekileyo yokulingana kwi-shishini iqhutywe ngabantu abafanayo amashumi eminyaka.
Ukufumana ulwazi oluthe vetshe, khangela i- 3 Impazamo ye-Equity Fund yabatyalo-mali kufuneka igweme .
Indlela yokuqalisa ukuTyala imali kwi-Equity Funds
Emva kokuba unqume ukuba ufuna ukutshala imali kwi-equity funds, jonga i-fund iminikelo kubanikezeli abakhulu, uphendule kwi-rankings yeengxowa-mali kwi-Morningstar enkulu ye-Morningstar, kwaye emva koko, xa unciphise uluhlu lwakho lokutshala imali, funda i- fund fund i-prospectus kunye nenkcazo yolwazi olongezelelweyo (SAI).
La maxwebhu achaza indlela iiplani zengxowa-mali yokubambisa imali yakho, ingakanani imali umphathi wephothifoliyo yesikhwama ezityalombileyo kunye nawe, kunye nolunye ulwazi oluxabisekileyo olunokukwenza ukufikelela kwisigqibo esinolwazi lula.
Isinyathelo sakho esilandelayo siya kuba kusekwa isicwangciso-mali sokuzenzekelayo. Oku kukuvumela ukuba imali ihoxiswe ngokuzenzekelayo kwi-akhawunti yokukhangela okanye i-akhawunti yokulondoloza, kunye nemali esetyenziselwa ukuthenga amasheya esikhwama sakho se-equity fund. Iimali ezininzi ziya kukuvumela ukuba utyalomali kunye ne-$ 25 ngeveki, ingakumbi ukuba ukhetha ukuvula iRoth IRA okanye i-IRA yeNdabuko ekubanjeni kuyo izabelo zakho.